{"id":279,"date":"2023-04-30T11:56:18","date_gmt":"2023-04-30T11:56:18","guid":{"rendered":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/?p=279"},"modified":"2023-04-30T11:56:18","modified_gmt":"2023-04-30T11:56:18","slug":"2040-1-bireysel-emeklilik-plani","status":"publish","type":"post","link":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/","title":{"rendered":"2040-1 Bireysel Emeklilik Plan\u0131"},"content":{"rendered":"<p>Gelece\u011fini bug\u00fcnden planlayan bir kahramanla tan\u0131\u015fmaya haz\u0131r m\u0131s\u0131n?<br \/>\nBirikime bir yerden ba\u015flamaya karar verdiysen en avantajl\u0131 BES paketleri i\u00e7in do\u011fru yerdesin!<\/p>\n<p>Yat\u0131r\u0131m tercihine uygun birikim yapabilece\u011fin 2040-1 Bireysel Emeklilik Plan\u0131 ile fon ve plan de\u011fi\u015fiklikleri hakk\u0131, yat\u0131rd\u0131\u011f\u0131n her tutara yans\u0131yan y\u0131ll\u0131k maksimum Devlet Katk\u0131s\u0131 ve avantajl\u0131 \u00f6deme periyotlar\u0131 seninle. Ayl\u0131k minimum 150 TL \u00f6deyerek biriktirmeye haz\u0131rsan haydi gelece\u011fin i\u00e7in sa\u011flam bir ad\u0131m atal\u0131m.<\/p>\n<h2>2040-1 Bireysel Emeklilik Plan\u0131 Avantajlar\u0131<\/h2>\n<p>\u015eimdiden gelece\u011fini d\u00fc\u015f\u00fcnenlere ve d\u00fc\u015f\u00fcnd\u00fck\u00e7e birikim yapman\u0131n \u00f6nemini benimseyenlere g\u00f6re tasarlanan HDI Fibaemeklilik 2040-1 Bireysel Emeklilik Plan\u0131 seninle!<\/p>\n<p>HDI Fibaemeklilik 2040-1 Bireysel Emeklilik Plan\u0131, her \u015feyden \u00f6nce gelece\u011fini g\u00fcvence alt\u0131na almak i\u00e7in kolay birikim yapman\u0131 sa\u011flamaya odaklanm\u0131\u015ft\u0131r. Bunun i\u00e7in \u00e7\u00f6z\u00fcmler \u00fcretir, senin i\u00e7in en uygun kriterleri tek pakette birle\u015ftirir.<\/p>\n<p>2040-1 Bireysel Emeklilik Plan\u0131 (BES) ile yat\u0131rd\u0131\u011f\u0131n Katk\u0131 Pay\u0131 tutar\u0131n\u0131n %30&#8217;u kadar Devlet Katk\u0131s\u0131ndan yararlan\u0131rs\u0131n. \u00dcstelik bu Devlet Katk\u0131s\u0131n\u0131n yan\u0131nda kendi belirleyece\u011fin bir, \u00fc\u00e7, alt\u0131 ayl\u0131k veya y\u0131ll\u0131k \u00f6deme periyotlar\u0131 da seninle olur. Y\u0131lda 4 kez plan de\u011fi\u015fikli\u011fi, 12 kez de fon de\u011fi\u015fikli\u011fi imkan\u0131n da mevcuttur.<\/p>\n<p>Yani HDI Fibaemeklilik 2040-1 Bireysel Emeklilik Plan\u0131, gelecek i\u00e7in yat\u0131r\u0131m yapman\u0131n rahatl\u0131\u011f\u0131yla seni bug\u00fcnden tan\u0131\u015ft\u0131r\u0131r.<\/p>\n<h3>2040-1 Emeklilik Plan\u0131 Hakk\u0131nda Bilmen Gerekenler<\/h3>\n<ul>\n<li>Bu plan\u0131n ayl\u0131k asgari Katk\u0131 Pay\u0131 tutar\u0131 150 TL&#8217;dir. Fakat istersen s\u00f6zle\u015fmede belirlenen Katk\u0131 Pay\u0131ndan daha fazla veya Ek Katk\u0131 pay\u0131 \u00f6demesi yapabilirsin.<\/li>\n<li>Bireysel Emeklilik Sistemi, T\u00fcrk Liras\u0131 cinsinden i\u015flemektedir ve birikimlerin, T\u00fcrk Liras\u0131 cinsinden de\u011ferlendirilir.<\/li>\n<\/ul>\n<h3>BES Giri\u015f Aidat\u0131<\/h3>\n<ul>\n<li>BES&#8217;e ilk defa bu plan ile kat\u0131lacaksan ilgili giderlerin kar\u015f\u0131lanmas\u0131 amac\u0131yla giri\u015f aidat\u0131 \u00f6demen gerekiyor. Bu plan\u0131n giri\u015f aidat\u0131 tutar\u0131, ayl\u0131k br\u00fct asgari \u00fccretin %8,5&#8217;i olarak belirlenir.<\/li>\n<li>E\u011fer HDI Fibaemeklilik&#8217;te aktif bir Bireysel Emeklilik s\u00f6zle\u015fmen varsa ba\u015flatt\u0131\u011f\u0131n yeni s\u00f6zle\u015fmeden giri\u015f aidat\u0131 al\u0131nmaz.<\/li>\n<li>Ba\u015fka bir emeklilik \u015firketinden aktar\u0131m ile bu plana dahil olduysan aram\u0131za ho\u015f geldin. Bu durumda giri\u015f aidat\u0131 \u00f6demeyece\u011fini de belirtelim.<\/li>\n<\/ul>\n<h3>Katk\u0131 Pay\u0131 \u00d6demelerine Ara Verme<\/h3>\n<ul>\n<li>\u00d6ncelikle emeklilik s\u00f6zle\u015fmesi s\u00fcresi i\u00e7inde Katk\u0131 Pay\u0131 \u00f6demesine ara verme hakk\u0131na sahipsin.<\/li>\n<li>Katk\u0131 Pay\u0131n\u0131 vadesinde \u00f6dememen ve son \u00f6deme tarihinin ard\u0131ndan \u00fc\u00e7 ay i\u00e7inde ilgili hesaba herhangi bir \u00f6deme yapmaman durumunda ilgili s\u00f6zle\u015fmede \u00f6demeye ara verdi\u011fin kabul edilir.<\/li>\n<li>Ara verme s\u00fcresi boyunca ayl\u0131k asgari br\u00fct \u00fccretin %8,5&#8217;i kadar TL tutar\u0131nda (mevzuatta belirtilen \u00fcst s\u0131n\u0131r\u0131 a\u015fmamak \u015fart\u0131yla) Ara Verme Y\u00f6netim Gider Kesintisi, kat\u0131l\u0131mc\u0131n\u0131n birikiminden kesilir.<\/li>\n<li>Bir y\u0131ldan uzun s\u00fcre \u00f6demeye ara verilmesi durumunda ise Bireysel Emeklilik hesab\u0131na ili\u015fkin olarak Emeklilik G\u00f6zetim Merkezi&#8217;ne \u00f6denen sabit giderler, s\u00f6zle\u015fmedeki birikiminin ana para k\u0131sm\u0131ndan tahsil edilir.<\/li>\n<li>Y\u00f6netim Gider Kesintisi, Giri\u015f Aidat\u0131 ve Ara Verme Y\u00f6netim Gider Kesintisi toplam\u0131, y\u0131ll\u0131k olarak her y\u0131l i\u00e7in Ayl\u0131k Br\u00fct Asgari \u00fccretin %8,5&#8217;ine kar\u015f\u0131l\u0131k gelen maktu tutar\u0131 a\u015famaz. \u0130lgili kesintiler, s\u00f6zle\u015fmenin ilk 5 y\u0131l\u0131 yap\u0131labilir.<\/li>\n<\/ul>\n<h3>Sistemden Ayr\u0131lma<\/h3>\n<ul>\n<li>Sistemden ayr\u0131lman halinde sistemde kal\u0131nan s\u00fcreye ba\u011fl\u0131 olarak ertelenmi\u015f giri\u015f aidat\u0131 al\u0131n\u0131r. 5 y\u0131l ve \u00fczeri s\u00fcrelerde kalan kat\u0131l\u0131mc\u0131lar i\u00e7in bu uygulama ge\u00e7erli de\u011fildir.<\/li>\n<li>Emeklilik hakk\u0131n\u0131n kullan\u0131lmas\u0131 veya vefat, maluliyet yahut \u015firketin tasfiyesi gibi zorunlu nedenlerle ayr\u0131lma durumlar\u0131 haricinde, 5 y\u0131ll\u0131k s\u00f6zle\u015fme s\u00fcresi dolmadan \u015firketten ayr\u0131lman durumunda, Bireysel Emeklilik hesab\u0131ndaki birikiminden ertelenmi\u015f giri\u015f aidat\u0131 \u015feklinde indirilebilecek tutar hesaplan\u0131r. Bu hesaplamada, 5 y\u0131ll\u0131k s\u00fcre\u00e7te yap\u0131labilecek toplam kesinti \u00fcst limitinden, ayr\u0131lma tarihine kadar yap\u0131lan Giri\u015f Aidat\u0131, Ara Verme Y\u00f6netim Gider Kesintisi ve Y\u00f6netim Gider Kesinti baz al\u0131n\u0131r.<\/li>\n<li>Hesaplanan bu tutar, \u00e7\u0131k\u0131\u015fta ertelenmi\u015f giri\u015f aidat\u0131 olarak tahsil edilir. AAB\u00dc*%8,5*5 &#8211; (Ayr\u0131lma tarihine kadar yap\u0131lan Giri\u015f Aidat\u0131, Ara Verme Y\u00f6netim Gider Kesintisi ve Y\u00f6netim Gider Kesintisi)<\/li>\n<li>Az \u00f6nce muhtemelen ilk defa duydu\u011fun AAB\u00dc ile seni tan\u0131\u015ft\u0131ral\u0131m: AAB\u00dc, yani Ayl\u0131k Asgari Br\u00fct \u00dccret demektir. AAB\u00dc tutar\u0131ndaki de\u011fi\u015fiklikler s\u00f6zle\u015fmeye yans\u0131t\u0131l\u0131r. Her y\u0131l i\u00e7in ilgili takvim y\u0131l\u0131n\u0131n ilk alt\u0131 ay\u0131nda 16 ya\u015f\u0131ndan b\u00fcy\u00fckler i\u00e7in uygulanacak ayl\u0131k br\u00fct asgari \u00fccret tutar\u0131 esas al\u0131n\u0131r.<\/li>\n<\/ul>\n<h3>Kesintiler<\/h3>\n<ul>\n<li>Bireysel Emeklilik hesab\u0131na yapt\u0131\u011f\u0131n Katk\u0131 Paylar\u0131 ve Ek Katk\u0131 Pay\u0131 \u00fczerinden, Katk\u0131 Pay\u0131 \u00f6deme tarihi itibariyle y\u00f6netim gideri kesintisi yap\u0131l\u0131r.<\/li>\n<li>Plan kapsam\u0131nda sana sunulan emeklilik yat\u0131r\u0131m fonlar\u0131ndan belli oranlarda fon i\u015fletim gideri kesintisi yap\u0131l\u0131r. Fon i\u015fletim giderleri hakk\u0131nda daha fazla bilgi almak i\u00e7in a\u015fa\u011f\u0131daki tablolar\u0131 inceleyebilirsin.<\/li>\n<\/ul>\n<h3>Emeklilik Yat\u0131r\u0131m Fonlar\u0131 Da\u011f\u0131l\u0131m\u0131<\/h3>\n<h4>De\u011fi\u015fken Emeklilik Yat\u0131r\u0131m Fonlar\u0131<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FES &#8211; Temkinli De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00611%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">2,230%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">EIE &#8211; Atak De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,825%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">BEE &#8211; Dengeli De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00615%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">2,240%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEA &#8211; Atlas Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00411%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEF &#8211; Tacirler Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00495%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,807%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEO &#8211; \u0130stanbul Portf\u00f6y Dinamik De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00515%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,880%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEV &#8211; Global Md. Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00411%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEZ &#8211; Perform Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00411%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FIF &#8211; \u0130stanbul Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00411%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FIK &#8211; Kare Portf\u00f6y Fon Sepeti EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00274%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,000%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FIR &#8211; Osmanl\u0131 Portf\u00f6y De\u011fi\u015fken EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00438%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,599%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FFZ &#8211; Inveo Portf\u00f6y Fon Sepeti EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2.280%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Bor\u00e7lanma Ara\u00e7lar\u0131 Emeklilik Yat\u0131r\u0131m Fonlar\u0131<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th data-role=\"resizable\">G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">EIG &#8211; Bor\u00e7lanma Ara\u00e7lar\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,825%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,910%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">BEK &#8211; Fiba Portf\u00f6y Bor\u00e7lanma Ara\u00e7lar\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00520%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,898%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,910%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Hisse Senedi Yat\u0131r\u0131m Fonlar\u0131<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">EIH &#8211; Oyak Portf\u00f6y Hisse Senedi EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,825%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">BEH &#8211; Hisse Senedi EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00620%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">2,263%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">2,280%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Kamu D\u0131\u015f Bor\u00e7lanma Ara\u00e7lar\u0131 Yat\u0131r\u0131m Fonlar\u0131<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">EIK &#8211; D\u0131\u015f Bor\u00e7lanma Ara\u00e7lar\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,825%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,910%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">EIF -Oyak Portf\u00f6y Kamu D\u0131\u015f Bor\u00e7lanma Ara\u00e7lar\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00500%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,825%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,910%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Para Piyasas\u0131 Emeklilik Yat\u0131r\u0131m Fonlar\u0131<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FET &#8211; Para Piyasas\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00290%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,059%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,090%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEN &#8211; Standart EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00515%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,880%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,910%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Alt\u0131n Fonu<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">GRA &#8211; Alt\u0131n EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00293%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">1,070%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">1,090%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>Devlet Katk\u0131s\u0131n\u0131n Yat\u0131r\u0131ld\u0131\u011f\u0131 Fonlar<\/h4>\n<div>\n<table class=\"responsive-table k-table\">\n<thead>\n<tr>\n<th>FON ADI<\/th>\n<th>G\u00dcNL\u00dcK F\u0130GK<\/th>\n<th>YILLIK F\u0130GK<\/th>\n<th>YILLIK FTGK<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FII &#8211; Katk\u0131 Kat\u0131l\u0131m EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00099%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">0,361%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">0,365%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Fon Ad\u0131\">FEI &#8211; Katk\u0131 EYF<\/td>\n<td data-label=\"G\u00fcnl\u00fck F\u0130GK\">0,00097%<\/td>\n<td data-label=\"Y\u0131ll\u0131k F\u0130GK\">0,354%<\/td>\n<td data-label=\"Y\u0131ll\u0131k FTGK\">0,365%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Gelece\u011fini bug\u00fcnden planlayan bir kahramanla tan\u0131\u015fmaya haz\u0131r m\u0131s\u0131n? Birikime bir yerden ba\u015flamaya karar verdiysen en avantajl\u0131 BES paketleri i\u00e7in do\u011fru yerdesin! Yat\u0131r\u0131m tercihine uygun birikim yapabilece\u011fin 2040-1 Bireysel Emeklilik Plan\u0131 ile fon ve plan de\u011fi\u015fiklikleri hakk\u0131, yat\u0131rd\u0131\u011f\u0131n her tutara yans\u0131yan y\u0131ll\u0131k maksimum Devlet Katk\u0131s\u0131 ve avantajl\u0131 \u00f6deme periyotlar\u0131 seninle. Ayl\u0131k minimum 150 TL \u00f6deyerek biriktirmeye &#8230; <a title=\"2040-1 Bireysel Emeklilik Plan\u0131\" class=\"read-more\" href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/\" aria-label=\"More on 2040-1 Bireysel Emeklilik Plan\u0131\">Devam\u0131n\u0131 oku&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":269,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-279","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bireysel-emeklilik-planlari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>2040-1 Bireysel Emeklilik Plan\u0131 - \u00c7SM Sigorta<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2040-1 Bireysel Emeklilik Plan\u0131 - \u00c7SM Sigorta\" \/>\n<meta property=\"og:description\" content=\"Gelece\u011fini bug\u00fcnden planlayan bir kahramanla tan\u0131\u015fmaya haz\u0131r m\u0131s\u0131n? Birikime bir yerden ba\u015flamaya karar verdiysen en avantajl\u0131 BES paketleri i\u00e7in do\u011fru yerdesin! Yat\u0131r\u0131m tercihine uygun birikim yapabilece\u011fin 2040-1 Bireysel Emeklilik Plan\u0131 ile fon ve plan de\u011fi\u015fiklikleri hakk\u0131, yat\u0131rd\u0131\u011f\u0131n her tutara yans\u0131yan y\u0131ll\u0131k maksimum Devlet Katk\u0131s\u0131 ve avantajl\u0131 \u00f6deme periyotlar\u0131 seninle. Ayl\u0131k minimum 150 TL \u00f6deyerek biriktirmeye ... 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Birikime bir yerden ba\u015flamaya karar verdiysen en avantajl\u0131 BES paketleri i\u00e7in do\u011fru yerdesin! Yat\u0131r\u0131m tercihine uygun birikim yapabilece\u011fin 2040-1 Bireysel Emeklilik Plan\u0131 ile fon ve plan de\u011fi\u015fiklikleri hakk\u0131, yat\u0131rd\u0131\u011f\u0131n her tutara yans\u0131yan y\u0131ll\u0131k maksimum Devlet Katk\u0131s\u0131 ve avantajl\u0131 \u00f6deme periyotlar\u0131 seninle. Ayl\u0131k minimum 150 TL \u00f6deyerek biriktirmeye ... Devam\u0131n\u0131 oku...","og_url":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/","og_site_name":"\u00c7SM Sigorta","article_published_time":"2023-04-30T11:56:18+00:00","og_image":[{"width":1200,"height":877,"url":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/wp-content\/uploads\/2023\/04\/bes-004.jpg","type":"image\/jpeg"}],"author":"csmadmin","twitter_card":"summary_large_image","twitter_misc":{"Yazan:":"csmadmin","Tahmini okuma s\u00fcresi":"6 dakika"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/#article","isPartOf":{"@id":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/"},"author":{"name":"csmadmin","@id":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/#\/schema\/person\/825a2a3840deff0c86d81a9ff10c77fe"},"headline":"2040-1 Bireysel Emeklilik Plan\u0131","datePublished":"2023-04-30T11:56:18+00:00","dateModified":"2023-04-30T11:56:18+00:00","mainEntityOfPage":{"@id":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/"},"wordCount":1174,"commentCount":0,"publisher":{"@id":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/#organization"},"articleSection":["Bireysel Emeklilik Planlar\u0131"],"inLanguage":"tr","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/","url":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-1-bireysel-emeklilik-plani\/","name":"2040-1 Bireysel Emeklilik Plan\u0131 - 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